From the answer:
@cjb The cost of processing for credit card transactions is just a cost of doing business.... State laws vary on the legality, and also on your requirements to notify the customer both before and during the purchase.

From the answer:
Thanks for taking the time to post here in the
Community, sgale .... Just to verify, do you want your customer to
have a blank invoice as his reference so he can enter the details at the time
of purchase?

From the answer:
Hi there, .... I'd be glad to help guide you to the right support who can check this further for you.... To check why the transactions weren't processed immediately, it would be best to get in touch with our Merchant Services Support Team .